If you are cheated of 299 yuan when you apply for a credit card, you should first call the police immediately. Provide detailed information and evidence to the local public security organs, and they will investigate and take corresponding legal actions. You can also complain to relevant consumer protection agencies, such as consumer associations or market supervision departments. By providing relevant evidence and detailed descriptions, help safeguard their own rights and interests and investigate and deal with the institutions involved. At the same time, I suggest that you keep all documents, contact records and payment vouchers related to this matter, which are important evidence for complaints and rights protection. Taking timely action is the key to protecting your rights and interests, and it also helps to prevent others from being cheated by the same scam.